How to use the take-home pay calculator
- Enter your salary – per year, month or week – before any deductions.
- Choose where you live: Scotland has its own income tax rates.
- Add your pension contribution and how it is taken (ask payroll if unsure – “taken before tax” is the most common workplace scheme).
- Pick your student loan plan, if you have one.
Income tax rates 2026/27 – England, Wales and Northern Ireland
| Band | Income | Rate |
|---|---|---|
| Personal allowance | Up to £12,570 | 0% |
| Basic rate | £12,571 – £50,270 | 20% |
| Higher rate | £50,271 – £125,140 | 40% |
| Additional rate | Over £125,140 | 45% |
The personal allowance shrinks by £1 for every £2 earned over £100,000, so it is gone at £125,140 – income between those two figures is effectively taxed at 60%.
Scottish income tax rates 2026/27
| Band | Income | Rate |
|---|---|---|
| Starter | £12,571 – £16,537 | 19% |
| Basic | £16,538 – £29,526 | 20% |
| Intermediate | £29,527 – £43,662 | 21% |
| Higher | £43,663 – £75,000 | 42% |
| Advanced | £75,001 – £125,140 | 45% |
| Top | Over £125,140 | 48% |
National Insurance and student loans
Employees pay 8% National Insurance on earnings between £12,570 and £50,270, and 2% above that. Student loan repayments are 9% of earnings over the plan threshold (6% for postgraduate loans):
| Plan | Threshold a year | Rate |
|---|---|---|
| Plan 1 | £26,900 | 9% |
| Plan 2 | £29,385 | 9% |
| Plan 4 (Scotland) | £33,795 | 9% |
| Plan 5 | £25,000 | 9% |
| Postgraduate | £21,000 | 6% |
Take-home pay on common salaries
England, Wales or Northern Ireland, no pension or student loan, tax year 2026/27:
| Salary | Tax | NI | Take-home a month |
|---|---|---|---|
| £20,000 | £1,486.00 | £594.40 | £1,493.30 |
| £25,000 | £2,486.00 | £994.40 | £1,793.30 |
| £30,000 | £3,486.00 | £1,394.40 | £2,093.30 |
| £35,000 | £4,486.00 | £1,794.40 | £2,393.30 |
| £40,000 | £5,486.00 | £2,194.40 | £2,693.30 |
| £50,000 | £7,486.00 | £2,994.40 | £3,293.30 |
| £60,000 | £11,432.00 | £3,210.60 | £3,779.78 |
| £80,000 | £19,432.00 | £3,610.60 | £4,746.45 |
| £100,000 | £27,432.00 | £4,010.60 | £5,713.12 |
Assumes the standard tax code 1257L. Bonuses, benefits in kind, the marriage allowance or an emergency tax code will change your pay. Buying a home? Try the mortgage calculator.
Common salaries after tax
- £15,000£1,193/month
- £20,000£1,493/month
- £25,000£1,793/month
- £30,000£2,093/month
- £35,000£2,393/month
- £40,000£2,693/month
- £45,000£2,993/month
- £50,000£3,293/month
- £55,000£3,538/month
- £60,000£3,780/month
- £65,000£4,021/month
- £70,000£4,263/month
- £75,000£4,505/month
- £80,000£4,746/month
- £85,000£4,988/month
- £90,000£5,230/month
- £95,000£5,471/month
- £100,000£5,713/month
- £105,000£5,871/month
- £110,000£6,030/month
- £115,000£6,188/month
- £120,000£6,346/month
- £125,000£6,505/month
- £130,000£6,724/month
- £135,000£6,945/month
- £140,000£7,166/month
- £145,000£7,386/month
- £150,000£7,607/month
Frequently asked questions
What is the take-home pay on £30,000?
In England, Wales or Northern Ireland in 2026/27: £25,119.60 a year, or £2,093.30 a month – after £3,486 income tax and £1,394.40 National Insurance (no pension or student loan).
What is the personal allowance for 2026/27?
£12,570, the same as the year before. It falls by £1 for every £2 of income over £100,000 and is gone at £125,140.
How much National Insurance do I pay?
8% on earnings between £12,570 and £50,270 a year, and 2% on anything above. There is no National Insurance on pension income or after State Pension age.
Does salary sacrifice save National Insurance?
Yes. With salary sacrifice your pay is reduced before both tax and National Insurance, so it saves more than a pension taken before tax only.
When do I start repaying my student loan?
When your pay is over your plan’s threshold – £29,385 a year for Plan 2 in 2026/27, £25,000 for Plan 5. You repay 9% of the amount above it.
Why is my payslip different?
Your tax code, bonuses, benefits, overtime or an emergency code can change it. The calculator assumes code 1257L and the same pay every month.